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Benefits and Rewards of a Victoria’s Secret Credit Card

Victoria’s Secret, a subsidiary of L Brands Inc. (LB), has its personal branded credit card named the Victoria card.

Like many co-branded credit cards, the Victoria’s Secret card has some advantages for individuals who store within the retailer typically. Its chief rivals are playing cards from Gap and Lane Bryant, with which it shares many options.

Key Takeaways

  • Victoria’s Secret’s card works on the model’s shops and web site, and likewise at sister corporations PINK and Bathtub & Physique Works.
  • Victoria’s Secret’s card has three tiers, relying on how a lot a cardholder spends every year, which carry totally different rewards and perks.
  • All cardholders earn one level for each greenback spent.
  • As with most proprietary retailer playing cards, Victoria’s Secret’s card primarily works finest for individuals who repeatedly buy the model’s merchandise.

How the Victoria’s Secret Credit score Card Works

Victoria’s Secret points the Victoria card in partnership with Comenity Financial institution. Comenity Financial institution, primarily based out of Draper, UT, gives Victoria’s Secret consumers with a revolving line of credit. Victoria’s Secret cardholders earn rewards in keeping with the worth of their purchases, each on-line and in-store.

The place Can the Victoria’s Secret Credit score Card Be Used?

Issued by Comenity Financial institution, the Victoria’s Secret bank card can be utilized for purchases on-line at VictoriasSecret.com or in particular person at a Victoria’s Secret or PINK retailer. It is also accepted at Bathtub & Physique Works, one other chain owned by L Manufacturers, though purchases there do not earn any reward factors.

Proprietary retailer bank cards just like the Victoria’s Secret Credit score Card are formally referred to as closed-loop or single-purpose playing cards.

Rewards and Advantages of the Victoria’s Secret Credit score Card

There are three totally different reward tiers: primary, silver, and gold, which replicate the amount of cash spent on a rolling 12-month interval. All cardholders earn one level for every $1 of web new purchases on their Victoria’s Secret bank card. As soon as a cardholder earns a sure variety of factors they’re upgraded to the following degree.

The primary tier is the fundamental Victoria card. All cardholders earn triple factors on all bra purchases, free transport for certified purchases (above $50), and one triple-point day of their selection. As well as, cardholders get $10 on their birthday every year the cardboard is lively and a $10 reward to make use of on future purchases.

The second tier is the Victoria silver card. Cardholders qualify for this tier by incomes 250 factors on their Victoria’s Secret card in a rolling 12-month interval. Silver cardholders accrue factors on the similar degree and charge as a primary Victoria cardholder, and obtain the identical annual $10 reward and birthday deal with, however they accrue further advantages: a half-birthday deal with of $10 and a 15% low cost on the anniversary of their sign-up.

The highest tier is the Victoria gold card. To qualify, the cardholder should earn 500 factors on their Victoria’s Secret bank card inside a rolling 12-month interval. Extra perks of being a gold cardholder embrace $15 birthday and half-birthday treats and a 20% anniversary low cost.

Different little perks and particular occasions might happen every month. To keep up the tier, a cardholder has to maintain spending the identical quantity every year; in any other case, the cardboard reverts to a decrease tier.

The place Can I Get the Victoria’s Secret Credit score Card?

You’ll be able to apply for the Victoria’s Secret Credit score Card at www.TheVictoriaCreditCard.com or www.comenity.net/ac/victoriassecret/public/home. You’ll be able to full an utility type on-line or apply in particular person at any Victoria’s Secret or PINK retailer. You may must create or check in to your VictoriasSecret.com account to start your utility for the Victoria’s Secret bank card program.

What Type of Credit score Is Required for the Victoria’s Secret Credit score Card?

Candidates should be at the very least 18 years of age, have a legitimate government-issued picture ID and U.S. Social Safety Quantity, and should be a resident of the USA with a legitimate mailing handle. Comenity Financial institution verifies private data and obtains a replica of a shopper’s credit report when making its choice to increase credit score to a possible cardholder.

The credit score restrict on the cardboard will depend on the applicant’s private credit score historical past and funds. That being mentioned, retailer bank cards typically appear simpler to qualify for than general-use playing cards. For the reason that Victoria card would not value something to personal, acquiring and utilizing one responsibly generally is a manner for somebody with a restricted credit score historical past to construct up file.

Phrases and Situations of the Victoria’s Secret Credit score Card

Like most store-branded bank cards, the Victoria card prices a hefty quantity of curiosity: as of February 2021, the marketed annual percentage rate (APR) is 24.99%. It is a variable charge, which fluctuates with the prime rate of interest. No curiosity is paid if a cardholder pays off their total stability by the due date every month, and the fee due date is at the very least 25 days after the shut of every billing cycle.

Once more, like most retailer playing cards, the Victoria card has no annual payment, however there are prices for late and returned funds. If a cardholder is late paying their invoice, they need to count on a payment of as much as $40. Charges on returned funds can go as excessive as $25.

As with all bank card, late funds can injury the cardholder’s credit score rating. Cardholders ought to completely learn their cardholder agreements for full particulars.

  • Variable APR: 24.99%
  • Late Payment: $40
  • Returned Fee Payment: $25
  • Grace Interval: 25 days

How To Cancel the Victoria’s Secret Credit score Card

The Victoria’s Secret Credit score Card is managed by Comenity Financial institution, so you will must get in contact with them. You’ll be able to name Comenity Financial institution at (800) 695-9478 or TDD/TTY (800) 695-1788 to cancel your card. Alternatively, you possibly can ship them a message by way of their Secure Message Center.

Victoria’s Secret Credit score Card Buyer Service

Comenity financial institution, which manages the Victoria’s Secret Credit score Card, encourages clients to handle their Victoria’s Secret Credit score Card account on-line utilizing the Account Middle. The Account Middle has 24/7 entry, and means that you can view your stability, transactions and statements, and to make funds to your card. If you have not registered for this service, you possibly can register here.

You can even name Buyer Care at 1-800-695-9478 (TDD/TTY: 1-800-695-1788).

Who Ought to Take into account the Victoria’s Secret Credit score Card?

Getting a retailer bank card is smart for shoppers who repeatedly store at that retailer. When you’ve got a excessive diploma of brand name loyalty to Victoria’s Secret or PINK and are searching for particular reductions, making use of for a Victoria card might be a wise selection.

Be warned, although, that store cards can be risky for those who aren’t certain you possibly can meet your funds on time. These playing cards include a excessive rate of interest which may rapidly wipe out any of their advantages for those who do not repay your stability in full each month.

The place Can the Victorias Secret Credit score Card Be Used?

The Victoria’s Secret Credit score Card can be utilized at VictoriasSecret.com and in any respect Victoria’s Secret, PINK, and Bathtub & Physique Works shops.

How Can I Pay My Victorias Secret Credit score Card?

You’ll be able to pay your Victoria’s Secret Credit score Card in shops or on-line at www.TheVictoriaCreditCard.com or www.ThePINKCreditCard.com. You can even make a fee by telephone by calling (800) 695-9478 or TDD/TTY (800) 695-1788 Monday to Saturday, 8:00 am to 9:00 pm EST.

How Can I Discover Out How Many Factors I Have Earned?

You’ll be able to view the factors wanted on your subsequent reward on-line at www.TheVictoriaCreditCard.com or www.ThePINKCreditCard.com. To be taught the entire factors you have earned in your account, please name (800) 695-9478 or TDD/TTY (800) 695-1788 Monday to Saturday, 8:00 am to 9:00 pm EST.

The Backside Line

As is the case with proprietary bank cards, the Victoria card solely works with one service provider—Victoria’s Secret (and its company sister retailers). Whereas it carries a number of perks and privileges that make cardholders really feel like a part of the Victoria’s Secret household, its main profit is that it accrues factors that translate into cash for or reductions on future purchases. Usually, you’ve gotten a restricted period of time to make use of these rewards.

General, this card is finest fitted to shoppers who already spend cash early and infrequently at Victoria’s Secret. Those that aren’t huge followers of the model will discover the Victoria card has a fairly restricted enchantment.

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